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How Much Does A Medicare Supplement Plan Cost In North Carolina?


How much does a Medicare supplement plan cost in North Carolina?  Well, that depends upon a variety of factors.  Generally, Medicare supplement plan monthly premiums tend to run slightly higher in North Carolina than they do in other nearby states.  But there are other factors that have a far greater impact on price.

Keep in mind that when searching for the ideal Medicare supplement plan, cost is a significant factor, is should not be the only factor you should consider.  The most important factor should always be the overall quality of the plan you choose.  This includes the benefits of the plan itself, as well as the company that is behind the plan.  Once you are satisfied with the aforementioned qualities of the plan, only then should you consider price.

Good to know:  Pick the right facility.  If your condition isn't life-threatening, avoid the emergency room.  A cough or a broken finger may be better treated in a store clinic or an urgent care center.  Note: All clinics or urgent care centers are the same.  Investigate the facilities near you before you need them, so you can make the right choice if you need medical assistance.
We will list the factors that impact the premium rates of Medicare supplement insurance.  They are ordered from the most significant impact, to the least:
  • Plan Type
  • Age
  • Company
  • Tobacco Use
  • Health Status
  • Region
  • Gender

Plan Type
The most significant factor is the plan type that you choose.  For example, the monthly premium of a plan type "F" is going to be significantly higher than the monthly premium of a plan type "K".  This is because each Medicare supplement plan type offers a different benefit structure.  All supplement plans are designed to cover medical costs that are not covered by traditional Medicare.  However, some plans pick up more medical costs than others.  These benefit differences are reflected in monthly premium.

Age
With very few exceptions, the older you are, the higher your monthly premium.

Select Specialty Hospital - Greensboro - Greensboro,NC - health insurance
Select Specialty Hospital - Greensboro
1200 N Elm St
Greensboro, NC 27401
Telephone: (336) 832-5700
Plus Code: 36R7+C9 Greensboro, North Carolina




Company
In North Carolina, Medicare supplement monthly premiums vary wildly depending upon which insurance company you buy the plan from.  The fact that plan benefits may be exactly the same, does not mean the monthly premium will be.  While traditional Medicare is a government program, Medicare supplement plans are offered by private insurance companies.  They get to set the pricing of the plans they offer.

Tobacco Use
Most insurance companies in North Carolina will charge a slightly higher monthly premium for Medicare supplement coverage if you smoke or chew tobacco.

Health Status
In some cases, if you are not enrolling within the open enrollment - guarantee issue time frame for Medicare supplement coverage, some companies in North Carolina will charge you a higher rate if you have specific medical issues.  Please contact us if you have questions concerning this.

Gender
Both Medicare supplement and Medicare advantage plan insurance companies tend to offer slightly lower premium rates for women.

Where you live in North Carolina
Your Medicare Supplement plan monthly premium will vary depending on where you live in North Carolina.  Usually, monthly premiums in rural areas tend to be slightly lower than monthly premiums in large metropolitan regions.

Insurance companies offering Medicare Supplement and Medicare Advantage plans include:

  • AARP
  • Mutual of Omaha
  • Combined
  • IAC
  • Gerber
  • Blue Cross Blue Shield
  • Humana
  • Cigna
  • Aetna

On Average For 2020

On average, in North Carolina, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, female applicant would be: $115.00 - $137.00.
On average, in North Carolina, for a standard plan A, the average monthly premium for a 65 year old non-tobacco, male applicant would be: $132.00 - $168.00.

Good to know:  If your family is healthy and doesn't visit the doctor often, a high-deductible health plan could save you hundreds of dollars in lower monthly premiums.  In addition, most high deductible health insurance plans are HSA eligible.  An HSA eligible plan qualifies you to open a health savings account (HSA).  A health savings account is designed to work in concert with a your high deductible health insurance plan.  You can save money in your HSA account before taxes and use the funds to pay for eligible health care expenses.  Additionally, unused HSA funds continue to grow tax-deferred, year after year.


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